"When you exclude half the population, you begin to have questions of any analysis that was done, " says Prediman K. Shah of Cedars-Sinai Medical Center.

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In retrospect, the roots of the crisis are easy to spot, Wachter writes in her analysis, co-written with is Richard K. Green, professor of finance and economics at George Washington University.

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The demographic transition, according to this analysis, is a shift from r-type to K-type behaviour.

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As a recent Financial Engines analysis of more than 2.8 million 401(k) participants found, automatic enrollment is already having an impact on the participation rate, savings and asset allocation of new, primarily younger hires.

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Second, much of the media coverage totally ignored the fact that the paper was just talking about the U.K. and not anywhere else (The paper is titled Drug harms in the UK: a multicriteria decision analysis ).

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